The Influential Factors Of Research Of Xinjiang Rural Households' Credit Behaviors Under The Background Of Inclusive Finance

In this paper,the main content is through the questionnaire survey form,using descriptive statistics and empirical method to study the behavior characteristics of the Xinjiang province farmer credit,from the perspective of Inclusive Finance,by improving the farmers financial service availability,improve farmers use of financial products,and improving the quality of peasant household borrowing service three aspects,relevant countermeasures and suggestions are given to reduce negative impact factors influence on Xinjiang farmer credit demand,further enhancing the inclusive degree of Xinjiang farmer credit.This paper studies the main content as follows:The first chapter,introduction.This chapter describes the research background and purpose,theoretical and practical significance;On the dynamics of the related research at home and abroad and the research was reviewed and summarized.On the basis of relevant theories and research put forward the research ideas,research methods,main contents and possible innovation place in this paper.The second chapter,the relevant theory of Inclusive Finance and peasant household borrowing.This chapter is related to the research theories,including three aspects.Among them,the related theory of Inclusive Finance including financial repression and financial deepening theory,dual economic structure theory and the theory of financial development;Peasant household borrowing related theory includes rural financial theory,farmers economic theory and transaction cost theory;Farmers behavior related theory includes the rational peasants,survival economic and crutches logic.The third chapter,the present situation analysis of Xinjiang rural finance development.Mainly through on the description of the development situation of the Xinjiang rural formal and informal financial institutions.Formal financial institutions to support farmers increase year by year,to support the poor areas economic and social development and made positive contributions to the poor out of poverty;Informal financial institutions without financial regulators scientific and rational guidance and regulation,combined with their own capital power limited and others reasons are not conducive to the growth of the team,it can't normal to play its positive effects of rural finance.The fourth chapter,In the perspective of Inclusive Finance,farmer credit behavior characteristics in Xinjiang.Through on-the-spot investigation analysis of the current peasant household borrowing of Xinjiang province has the characteristics,the main basic information from farmers,farmers demand for loans,farmers mortgage-backed and the inclusive degree of farmers is described from four aspects.The fifth chapter,the empirical analysis of the influencing factors of Xinjiang farmer credit demand.According to the different nature of influence factors are divided into several categories for the farmer credit factors,then using farmers data and Logit model for the specific factors that affect Xinjiang province peasant household borrowing to the empirical analysis,It is concluded that significant positive significant factors influencing farmer credit demand will have householder age,head of the household cultural degree,family members,household income.Negative significant factor is the native language category,physical condition,if the village have formal financial institutions and the types of engaged economic activities.Whether farmers get a loan from the formal financial channels have positive influence factors including householder age,cultural degree,head of the household health,household income,lending policies of master degree and the types of engaged economic activities;Negative factors have native language category,family members and if the village have formal financial institutions.The sixth chapter,conclusion and policy Suggestion.The purpose of Inclusive Finance is to provide all people with effective financial demand of financial services,which requires the supply of the financial sector to fully in a timely manner.From Inclusive Finance perspective,by improving the farmers financial service availability,improve farmers use of financial products,and improving the quality of peasant household borrowing service three aspects,relevant countermeasures and suggestions are given to reduce negative influence factors on the negative impact of the Xinjiang peasant household borrowing further enhance farmers financial inclusive degrees in Xinjiang.Mainly according to the native language category(X1),health head of the household(X4)and family members(X5),in the village have formal financial institutions outlets(X7)and engage in economic activity type(X9)the five negative correlation factors put forward the corresponding improvement measures,to improve the Xxinjiang farmers borrowing.